Why the headline index return felt misleading When major indices reported a reasonable return for 2025, many investors breathed a sigh of relief. On the surface, it suggested markets had steadied and recovered. But that headline number masked a quieter, less positive reality: most individual stocks were down or barely moved through the year. The … Read more
Why experts are recommending NPS for long-term retirement savings Many financial advisers are pointing to the National Pension System (NPS) as a straightforward, low-cost way to build retirement savings over decades. At its core, NPS encourages regular investing and makes it easy to shift between equity and debt exposure without triggering tax events each time … Read more
What the 1% TCS on motor vehicles means for buyers When you buy a motor vehicle with a sale price above ₹10 lakh, the seller collects a tax at source (TCS) equal to 1% of the transaction value. That amount is not an extra tax permanently charged to you — it is collected as an … Read more
When a loan EMI or credit card payment is overdue by up to 90 days, lenders typically classify that account as a Special Mention Account (SMA). That mark shows up on your credit report and can make it harder to get new loans or cards, because banks view SMA entries as early signs of repayment … Read more
What the Diamond Reserve Credit Card offers The Diamond Reserve Credit Card stands out with a set of travel-friendly features aimed at frequent international travellers and those who want cleaner foreign transactions. The card’s headline benefits are 0% forex markup, interest-free global ATM cash withdrawals, and lifetime reward points. Together, these features can lower the … Read more
You already have ₹68 lakh invested — how to make the goal truly achievable Having ₹68 lakh invested and continuing disciplined SIPs puts you in a strong starting position. That combination gives you both a sizeable base and a steady contribution habit — two critical ingredients for long-term success. But reaching your financial goal will … Read more
The FIRST WOW! Black Credit Card is a secured card issued against a fixed deposit and aimed at cardholders who want premium travel perks and easy access to credit backed by their savings. Its selling points include bonus reward points, higher redemption value for travel bookings, zero forex markup and airport lounge access. Below is … Read more
In November 2025, Treasury Secretary Scott Bessent — who is also serving as the current IRS commissioner — confirmed the decision to end the federal Direct File tax-filing system. He said there are “better alternatives” available to taxpayers. The announcement closes a chapter on a government-run online filing option and raises immediate questions about where … Read more
What is a Systematic Transfer Plan (STP)? A Systematic Transfer Plan (STP) is a method investors use to move money from one mutual fund scheme to another in a structured, periodic manner. Typically, money is parked in a lower-risk fund such as a liquid or debt fund and then transferred at regular intervals to a … Read more
More owners are treating pets as long-term dependents and adding clear instructions for their care into estate plans. As people live longer and keep pets into advanced years, planning who will care for an animal after an owner’s death or disability has moved from a personal matter to a legal and financial one. Why long-term … Read more